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KredosAI

Total raised

$7.0M

+$7.0M this year

1 filing since 2026 · latest Equity filed

Cumulative raised
LAST ROUND
Equity · $7.0M
ROUNDS
1
INVESTORS
9
FOUNDED
N/A
HQ
Issaquah, WA
SECTOR
Fintech
EMPLOYEES
N/A
30D VIEWERS
N/A

AI overview

Updated

KredosAI is an AI-driven consumer engagement platform that helps enterprises recover late consumer payments. It applies reinforcement learning with human feedback and behavioral economics to personalize the wording, timing, and channel of each overdue-payment message. The company focuses on the window after a bill goes past due but before the account is sent to collections or written off. Founded in 2021 by former T-Mobile executives Balaji Sridharan and Dave Thoms, it is based in Issaquah, Washington.

What sets it apart

Optimizes against actual payment outcomes rather than engagement metrics, using reinforcement learning with human feedback and omnichannel delivery including Rich Communication Services, with enterprise deployments in weeks rather than months.

Funding history

1 round
EquityMay 22, 2026
Form D
+$7.0M$7.0M total

Latest SEC filings

via EDGAR · CIK 0001899153
Form D · May 22, 2026NewView on EDGAR

Products

1 tracked

KredosAI consumer engagement platform

Accounts receivable / collections software

An enterprise platform that generates and delivers personalized, behaviorally-informed payment reminders to delinquent consumers across email, SMS, and Rich Communication Services, continuously learning from payment outcomes.

  • Reinforcement learning with human feedback that continuously experiments and adapts
  • Omnichannel delivery across email, SMS, and Rich Communication Services (RCS)
  • Branded, interactive, app-like messaging experiences
  • Personalization of message wording, timing, and channel per account history

Links

WebsiteLinkedInSEC EDGAR filings